Trinity Life & Family Benefit Life are the two of the same, they are the same company simply different names. Both companies operate under their parent First Trinity Financial Corporation.
Both companies are small yet rapidly expanding companies. Trinity Life and/or Family Benefit Life currently is available in the following states (including MICHIGAN):
|Georgia||Kentucky||Missouri||North Dakota||South Dakota||West Virginia|
Both companies flagship whole life final expense policy is the GOLDEN EAGLE FINAL EXPENSE policy which features both simplified issue (level) and graded death benefits. The simplified issue (level) death benefit is between $2,500 and $25,000 for people ages 50-85. The graded death benefit offers a death benefit between $2,000 and $10,000 for ages 50 to 85. The firm also offers a permanent whole life insurance policy with premiums that are guaranteed for life and will not increase regardless of age or health.
HOW they can help you WHY Trinity and Family Benefit Life might be for you?
Trinity and Family Benefit policies we use as "pricebuster" policies for people that are looking for absolute lowest price policy. The other benefit is that both companies accept Direct Express (the little green card used by social security benefits recipients) and they will bill SSI/SSDI per the social security benefits calendar (only one other company does that)
Trinity and Family Benefit rates are most competitive for non-smokers. There are other carriers with "pricebuster" rates for smokers.
As mentioned above, their prices are the lowest in the industry for non-smokers. Combined with their acceptance of Direct Express, SSI/SSDI, this is the perfect option for someone on a small fixed budget or income that received social security benefits.
We have built a relationship with the back-office underwriting team, so here at Affordable Final Expense, we can get answers to underwriting health questions fairly fast. Most other companies have more widely known or publicly available underwriting standards, Trinity and Family Benefit are a little lacking in that regard.